Sselfinance
    1. Home
    3. Calculator
    5. FIRE

    FIRE Calculator

    Calculate your Financial Independence number and see exactly when you can retire — based on your savings, contributions, and return assumptions. Lean, Regular, and Fat FIRE supported. No signup required.

    Lifestyle:

    1.2M

    23 years away · Est. 2049

    Portfolio Forecast

    Projected growth toward your FIRE number

    Portfolio Value
    Total Invested
    FIRE Target
    Portfolio Value
    Total Invested
    FIRE Target

    Your FIRE breakdown

    Key numbers behind the projection

    Progress toward FIRE4.2%

    FIRE number

    1.2M

    Current savings

    50K

    Remaining to FIRE

    1.2M

    Passive income at FIRE

    $4,000/mo

    Monthly expenses

    $4,000

    Est. retirement

    2049

    Year-by-Year Breakdown

    How your portfolio grows each year

    YearMonthly ContributionPortfolio ValueTotal InvestedInvestment GrowthMonthly ExpensesProgress
    1$2,000$76,482$24,000$2,482$4,120
    6%
    2$2,040$104,532$48,480$6,052$4,244
    9%
    3$2,081$134,223$73,450$10,774$4,371
    11%
    4$2,122$165,633$98,919$16,714$4,502
    14%
    5$2,165$198,841$124,897$23,944$4,637
    17%
    6$2,208$233,931$151,395$32,536$4,776
    19%
    7$2,252$270,991$178,423$42,568$4,919
    23%
    8$2,297$310,111$205,991$54,120$5,067
    26%
    9$2,343$351,386$234,111$67,275$5,219
    29%
    10$2,390$394,916$262,793$82,123$5,376
    33%
    Showing 1–10 of 23 years
    1 / 3

    1.2M

    23 years away · Est. 2049

    Portfolio Forecast

    Projected growth toward your FIRE number

    Portfolio Value
    Total Invested
    FIRE Target
    Portfolio Value
    Total Invested
    FIRE Target

    Year-by-Year Breakdown

    How your portfolio grows each year

    YearMonthly ContributionPortfolio ValueTotal InvestedInvestment GrowthMonthly ExpensesProgress
    1$2,000$76,482$24,000$2,482$4,120
    6%
    2$2,040$104,532$48,480$6,052$4,244
    9%
    3$2,081$134,223$73,450$10,774$4,371
    11%
    4$2,122$165,633$98,919$16,714$4,502
    14%
    5$2,165$198,841$124,897$23,944$4,637
    17%
    6$2,208$233,931$151,395$32,536$4,776
    19%
    7$2,252$270,991$178,423$42,568$4,919
    23%
    8$2,297$310,111$205,991$54,120$5,067
    26%
    9$2,343$351,386$234,111$67,275$5,219
    29%
    10$2,390$394,916$262,793$82,123$5,376
    33%
    Showing 1–10 of 23 years
    1 / 3
    Lifestyle:

    Your FIRE breakdown

    Key numbers behind the projection

    Progress toward FIRE4.2%

    FIRE number

    1.2M

    Current savings

    50K

    Remaining to FIRE

    1.2M

    Passive income at FIRE

    $4,000/mo

    Monthly expenses

    $4,000

    Est. retirement

    2049

    What it is

    This calculator estimates your FIRE number — the portfolio you need so investment returns alone can cover your living costs — and how many years of saving and investing it takes to get there.

    Pick a lifestyle (Lean, Regular, or Fat), enter your savings and monthly contributions, then adjust the return, inflation, and withdrawal assumptions to see how your timeline changes.

    How the math works

    FIRE number
    Annual expenses ÷ Safe Withdrawal Rate. At a 4% SWR, you need 25× your yearly spending.
    Real return
    Annual return − inflation. Growth is compounded monthly on this inflation-adjusted rate.
    Years to FIRE
    Each year your portfolio compounds and contributions are added until it reaches your FIRE number.
    Passive income
    FIRE number × real return ÷ 12 — what your portfolio can sustainably pay you each month.

    Assumptions & caveats

    • Returns are assumed steady; real markets are volatile and sequence-of-returns risk matters near retirement.
    • The 4% rule is a guideline from US historical data, not a guarantee — many planners use 3–3.5% to be safe.
    • Expenses grow with inflation; taxes, healthcare, and one-off costs are not modelled.
    • Contributions grow each year by the contribution-growth rate to reflect rising income.

    Frequently asked questions

    It suggests you can withdraw 4% of your portfolio in year one of retirement, then adjust that amount for inflation each year, with a high chance the money lasts 30+ years. It implies a FIRE number of 25× your annual expenses.

    Lean FIRE covers essentials only (a leaner budget and smaller target), Regular FIRE maintains your current lifestyle, and Fat FIRE funds a more comfortable, higher-spending retirement with a larger target.

    This calculator uses real (inflation-adjusted) returns so your FIRE number and income are expressed in today's purchasing power, which makes the target easier to reason about.

    It's a planning estimate based on steady assumptions. Use it to compare scenarios, not as a precise prediction. Connecting your real accounts gives a far more accurate, continuously updated projection.

    Track your real FIRE progress automatically

    Connect your accounts and selfinance keeps your FIRE number and timeline up to date from your actual portfolio and spending.

    Get started

    Your complete financial picture, finally in one place

    Join thousands who replaced their spreadsheet juggle and four-app routine with a single, automated view of their net worth, budget, and investments.

    Cancel anytime

    Sselfinance

    Your personal finance companion for tracking net worth, expenses, savings, and investments — in one place.

    Product

    • Features
    • Pricing
    • Calculators
    • Assets

    Features

    • Dashboard & net worth
    • Budget
    • Voice to expense
    • Emergency fund
    • Debt repayment

    Company

    • FAQ

    Legal

    • Terms and conditions
    • Privacy policy

    © 2026 Selfinance. All rights reserved.

    Manage your financial era.